Federal credit union · BATON ROUGE, Louisiana · NCUA charter #6584
LES
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $44.9M
- Total assets
- 4,917
- Members
- 11.5%
- Net-worth ratio
LES scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.9M; members 4,917; net-worth ratio 11.46%; health rank #2,752 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,752 of 4,374 health · 2025Q4LES · health 80/100 · $44.9M · 2025Q4
- BOOK 80/100
- CHARTER 11.5%
- NCUSIF 1.33%
- CAMELS 0.35%
- HEALTH $44.9M
- NW 4,917
- DELQ #2,752/4,374
- ROA Firstenergy Family
- ASSETS 6584
Call Report peers
LES in the assets neighbourhood
LES's $44.9M assets sit next to Firstenergy Family ($44.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LES vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
LES - Share Insurance Coverage
Charter #6584's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for LES
- Loan-to-Share Ratio trails the peer set - 55.77% here, 59.80% peer average (-4.03 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LES: in-state Call Report ranks
- Louisiana health ordinal: #63 of 138.
- Louisiana assets place: #50 of 138.
- Member book place in Louisiana: #46 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LES: 2025Q4 → 2026Q1
LES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $44.9M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted -0.20 pp (11.66% → 11.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 12.7 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 11.9 pts
LES vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -3.40 pp |
| Delinquency Rate | 1.33% | +0.19 pp |
| Return on Assets | 0.35% | -0.36 pp |
| Member Growth | -0.59% | - |
| Loan-to-Share Ratio | 55.77% | -4.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.7M | - |
| 2025Q4 | $44.9M | 4,917 |
| 2024Q4 | $42.6M | 4,946 |
| 2023Q4 | $43.0M | 4,993 |
Credit Union Details
- Charter Number
- 6584
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- BATON ROUGE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for LES.
| Office | City |
|---|---|
| LES Federal Credit Union (Main Office) | Baton Rouge, LA |
| LES Federal Credit Union | Baton Rouge, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
LES nationwide neighbourhoods
Cross-state asset and health neighbours for LES - kept outside Louisiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- LES ranks #2,752 of 4,374 nationally on financial health and #63 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Willis Knighton is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Willis Knighton
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LES financially healthy?
LES has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,752 of 4,374; by total assets it ranks #2,491 of 4,374 nationally (same basis as /rankings/largest); and #50 of 138 within Louisiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.46% and delinquency rate of 1.33%.
How does LES compare to other credit unions?
Five weighted metrics from NCUA filings produce LES's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join LES?
LES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LES directly for the exact boundaries and application steps.
Is my money safe at LES?
Federal credit unions like LES are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LES's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LES offer compared to banks?
Credit unions like LES are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact LES directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.